Choose a plan only after checking which options your federal student loans qualify for, then compare the estimated monthly payment, total cost, payoff date and any projected discharge. The lowest payment is not automatically the least expensive choice. Federal Student Aid’s Repayment Calculator can help compare eligible plans, but your loan servicer provides your final payment terms after processing your application.
Start with your loan details and eligibility
This guide focuses on federal student loans covered by Federal Student Aid’s repayment-plan information and calculator. Eligibility can depend on both the loan type and when it was first disbursed, so establish those details before weighing costs. A plan that looks attractive but is unavailable for your loans is not a real option.
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- Sign in to Federal Student Aid and use the Repayment Calculator to retrieve your loan details, or enter them manually.
- Check the loans’ program or type and first disbursement date against the current repayment-plan eligibility information.
- Compare only the plans the calculator identifies as available for your entered or imported loans. If the result does not match your loan records, verify those records and the plan rules before applying.
Compare the full repayment picture
For each eligible plan, review the calculator’s estimated monthly payment, total amount paid, principal and interest, projected discharge amount and payoff or end-of-term date. These figures answer different questions: what you may owe each month, what repayment may cost overall, and how long it may last.
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Match the plan to your priority
| Your priority | What to examine | Decision trade-off |
|---|---|---|
| Lower required payment now | Sort by lowest monthly payment, then check the estimated total paid and end date. | A smaller monthly bill may help with current cash flow without being the lowest-cost option over the life of repayment. |
| Pay the least overall | Sort by lowest total paid; review the principal and interest estimates and the payoff date. | The lowest total estimate may come with a higher monthly payment than another eligible plan. |
| Finish repayment sooner | Sort by fastest payoff and compare the monthly amount with your budget. | A shorter horizon can mean less time in repayment, but make sure the required payment is workable. |
| Pursue a discharge or forgiveness path | Review the projected discharge amount and end-of-term date, then verify the plan’s rules and your eligibility. | A calculator projection alone does not establish that you will qualify for a program or receive the projected discharge. |
Understand the differences among income-driven plans
Income-driven repayment plans do not all use the same formula, repayment period or eligibility rules. Federal Student Aid’s general comparison describes IBR payments as typically 10% or 15% of discretionary income depending on borrower status; PAYE as 10%, subject to an eligibility test; and ICR as the lesser of 20% of discretionary income or an adjusted payment based on a 12-year fixed plan. The applicable rules and repayment periods differ, so these summaries are not enough to calculate an individual bill.
Parent PLUS loans have significant restrictions under income-driven repayment rules. Before relying on a plan estimate, check the rules that apply to the particular loan and any consolidation history. Federal Student Aid’s income-driven repayment FAQ compares IBR, PAYE and ICR and describes relevant eligibility limits.
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Account for scheduled plan changes
Federal Student Aid’s current plan information describes a transition dated July 1, 2026 involving access to legacy IBR, ICR and PAYE and the Repayment Assistance Plan (RAP). Availability depends on the borrower’s circumstances and loans, so confirm the calculator’s eligibility result against the current official rules.
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Federal Student Aid says PAYE and ICR are scheduled to end no later than July 1, 2028. If your projected repayment or forgiveness timeline extends beyond that date, consider whether a later plan change could affect your path; do not assume that today’s estimate guarantees the same plan or terms for the entire period.
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Use the estimate as a comparison, not an approval
After deciding which eligible option best fits your budget and goal, submit the relevant application and wait for your servicer to process it. Federal Student Aid says the calculator’s results are estimates only; the servicer sets and communicates final payment terms after processing the application. See Federal Student Aid’s explanation of the Repayment Calculator for its scope and limitations.
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